Direct Private Lender for Texas Real Estate Investors
Southwest Guaranty, a Houston-based private direct commercial real estate lender, was founded by Russ Gaines in 1995. We were the first lender to recognize the niche of small balance commercial lending and streamlined a loan process catering to these loans. Southwest Guaranty recognizes that each loan has its own “story” and we can structure a loan to fit each borrower’s specific needs. Our lending area stretches across the Lone Star state and we will consider loans outside of Texas on a case-by-case basis. We look forward to working with you!
Property Geographic Area Details
- 2-4 Units Residential
- Commercial Land
- Residential Land
- Single Family Residence
- Commercial Bridge
- Commercial Property Value Add
Land Types Considered
- Residential Land
- Multifamily Land
- Industrial Land
- Office Land
- Retail Land
- Hospitality Land
- Agricultural Land
- Special Purpose Land
Will Consider Land That is NOT Entitledyes
Max LTV for Land50%
Max LTC for Land Acquisition50%
Max Loan-to-Purchase Price70%
Borrower Must Have Property Under Contractyes
Will Provide Proof of Funds Letterno
Will Consider Lending on Purchase from Auctionno
Allowed Source of Borrower’s Equity
- Own Cash
- Equity in Another Investment Property
- Seller Financing
Minimum Number of Value-Add Projects Completed by Borrower1
Will Provide Funds for Renovation Costsyes
Max LTC for Renovation Costs100%
Interest Charged for Renovation CostsEntire Amount of Total Project Costs
Typical Number of Days for Funds Draw7
Southwest Guaranty (SWG) is a private commercial real estate lender based in Houston, specializing in small balance commercial real estate loans throughout Texas. SWG was established in 1995 in response to what we perceived was a need in the real estate community for alternative financing solutions for borrowers who might not otherwise qualify for typical bank and/or conduit financing. In an effort to stay current with specific borrower requirements, SWG continues to expand and augment its product offerings. We have the capability to offer a broad range of commercial real estate loans for all types of borrowers and properties.
As our product offerings have expanded, so has our long list of satisfied borrowers, including individuals, small businesses, non profit institutions, etc. Southwest Guaranty provides financing for a multitude of property types including, but not limited to, multi-family, office buildings, retail, assisted living, mobile home parks, self storage facilities, restaurants, industrial, hotels/motels, churches, convenience stores/gas stations, car washes, automotive service centers, charter schools, industrial/manufacturing, warehouses, marinas, golf courses, and more. With the ability to lend on almost any property type, along with our array of financing options, we have the ability to offer almost any kind of loan from “A to Z”.
Southwest Guaranty has become a respected and serious participant in a unique commercial lending market. We provide quality service and expedient loan closings using a common sense approach to underwriting, while still adhering to high standards of underwriting and documentation for all loan originations. Our objective is to build long term, ongoing relationships with our clients by using our ability to be flexible and creative when underwriting and processing commercial loan requests. We would like to have the first look at your commercial loan request and provide the best possible financing solution.
Office Locations13430 Northwest Freeway, Suite 990, Houston, Texas 77040
Our Minimum Loan Amount Is
What We Do
- Loans for Investment Real Estate in Texas
- Appraisal Not Required in most cases
- LTV up to 65%, LTP up to 70%
- 30%+ Cash Required for Purchase
- Land LTV up to 50%
- NO 100% Financing
- NO Homesteads (owner-occupied SFR)
- NO Specialty Commercial Properties
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